FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH DALAM MEMILIH PRODUK TABUNGAN HAJI DI BANK RIAU KEPRI SYARIAH CABANG KEMENTERIAN AGAMA KABUPATEN KUANTAN SINGINGI

Abstract

This research is motivated by the increasing number of customers who choose the Hajj Savings (iB Dhuha) product at PT. Riau Kepri Bank Sharia Capem Teluk Kuantan is compared to other Islamic banks. This has happened since PT. Riau Kepri Bank Sharia Head of Teluk Kuantan collaborated and opened a branch within the Ministry of Religion of Kuantan Singingi Regency. The procedure for opening a Hajj Savings product is that the customer comes to Riau Kepri Bank Sharia by bringing the requirements for Personal Identity and then filling out the form for opening a Hajj savings account, then bringing a Hajj Savings deposit of Rp. 25,000,000 to get a validation number, Then the customer registers for Hajj at the Ministry of Religion of Kuantan Singingi Regency by bringing documents from the Bank and other requirements in accordance with the provisions, then the customer is registered through the Integrated Hajj Computerized System to get the serial number for the Hajj departure portion. After being registered, the customer fills in the data as a prospective pilgrim. Then save the proof of the Hajj registration to go for Hajj. When the time for repayment comes, make a full BPIH deposit at Riau Kepri Bank Sharia.

This study aims to determine the factors that influence customer interest in choosing Hajj savings products at PT. Riau Kepri Bank Sharia Head of Sharia Teluk Kuantan. This research is a quantitative research using multiple linear regression analysis. Data collection techniques using, observation, interviews, questionnaires, and documentation. The sample is 43 customers. The sampling technique used was non-probability sampling, the type of incidental sampling. Data processing using SPSS version 2.0.

The results of this study indicate that the promotion variable has a significant effect on customer interest with tcount 9.205 > ttable 1.684 and significance 0.000 <0.05. Location variable has a significant effect on customer interest with tcount 3.219 > ttable 1.684 and Significance 0.003 <0.05. While the product knowledge variable has no significant effect on customer interest with tcount -2.018 < ttable 1.684 and Significance 0.050 > 0.05. Based on the results of the F test analysis shows Fcount 277,518 > Ftable 2.85 and a significance value of 0.000 <0.05. Based on the test results, the coefficient of determination shows that 95.5% interest is influenced by independent variables (promotion, location, product knowledge). While 5% is influenced by other variables not included in this study